BlastPoint's Credit Union Scorecard

SAN FRANCISCO

Charter #24542 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

SAN FRANCISCO has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 14.9% in tier
+ Relationship Depth Leader: Top 22.3% in tier
+ Wallet Share Momentum: Top 22.3% in tier
+ Organic Growth Engine: Top 54.0% in tier
+ Organic Growth Leader: Top 54.0% in tier
+ ROA 0.47% above tier average
+ Loan Growth Rate: Top 1.0% in tier
+ Total Delinquency Rate (60+ days): Top 4.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 1.6% in tier
- Margin Compression: Bottom 14.9% in tier
- Deposit Outflow: Bottom 95.7% in tier
- Deposit Growth Rate: Bottom 5.0% in tier
- Total Members: Bottom 7.6% in tier
- Total Loans: Bottom 7.9% in tier
- First Mortgage Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	51,658 +1.8% YoY+0.3% QoQ	-45.8K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 7.3% in tier
Assets	$1.4B +12.2% YoY+0.3% QoQ	$-276.2M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	42%
Loans	$711.5M +35.7% YoY+4.1% QoQ	$-522.9M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Bottom 7.6% in tier
Deposits	$1.1B -3.7% YoY+0.1% QoQ	$-357.5M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -33.4% YoY+3.5% QoQ	+0.5%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 13.9% in tier
NIM	3.3% -3.8% YoY+2.4% QoQ	+0.0%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	50%
Efficiency Ratio	67.6% +24.7% YoY+0.0% QoQ	-6.5%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	0.2% -44.1% YoY-36.7% QoQ	-0.7	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 4.0% in tier
Loan To Share	64.6% +41.0% YoY+4.0% QoQ	-20.2%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 11.3% in tier
AMR	$35,103 +6.8% YoY+1.3% QoQ	+$6K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	84%
CD Concentration	13.4% -6.3% YoY+1.0% QoQ	-15.7%	29.0%	21.7%	19.8%	Bottom 4.5% in tier
Indirect Auto %	1.5% +3.1% YoY-4.6% QoQ	-16.8%	18.3%	9.2%	7.8%	19%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#20 of 65 • Top 22.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.77%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank worsening

Organic Growth Engine

growth

#77 of 247 • Top 54.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.81%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.15%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 1.52%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#46 of 77 • Top 14.9% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.81%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Wallet Share Momentum

growth

#83 of 123 • Top 22.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.77%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | Rank worsening

Organic Growth Leader

growth

#108 of 142 • Top 54.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.81%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 1.52%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Concerns (3)

Margin Compression

decline

#5 of 19 • Bottom 14.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.69%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.73%

(Tier: 0.57%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.58% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 145 nationally

→ No prior data (19 CUs now) | New qualifier

Cost Spiral

risk

#3 of 9 • Bottom 1.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 13.37% points

(Tier: -6.71% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 41.08%

(Tier: 51.94%, National: 63.66%)

but better than tier avg

9 of 378 Mid-Market CUs have this signature | 58 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Deposit Outflow

decline

#9 of 19 • Bottom 95.7% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.70%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.81%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 302 peers in tier

Top Strengths (10 metrics)

Loan Growth Rate

growth

Value: 35.75%

Peer Median: -

#4 of 302 Top 1.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Median: -

#13 of 302 Top 4.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 13.39%

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 12.16%

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 465.387

Peer Median: -

#30 of 302 Top 9.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: -

#32 of 302 Top 10.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: -

#42 of 302 Top 13.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $35,103

Peer Median: -

#49 of 302 Top 15.9% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.52%

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.77%

Peer Median: -

#67 of 302 Top 21.9% in 1B-3B tier

Top Weaknesses (6 metrics)

288

Deposit Growth Rate

growth

Value: -3.70%

Peer Median: -

#288 of 302 Bottom 5.0% in 1B-3B tier

280

Total Members

engagement

Value: 51,658

Peer Median: -

#280 of 302 Bottom 7.6% in 1B-3B tier

279

Total Loans

balance_sheet

Value: $711.54M

Peer Median: -

#279 of 302 Bottom 7.9% in 1B-3B tier

279

First Mortgage Concentration (%)

balance_sheet

Value: 56.73%

Peer Median: -

#279 of 302 Bottom 7.9% in 1B-3B tier

268

Loan-to-Share Ratio

balance_sheet

Value: 64.58%

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

250

Fee Income Per Member

profitability

Value: $148.51

Peer Median: -

#250 of 302 Bottom 17.5% in 1B-3B tier